Medi Gap – Supplemental

More #Information on Medicare & You booklet

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Our video explaining the Governments brochure on choosing a Medi Gap Policy.  Click the little square on the right, to enlarge the video.

• Medicare Supplement Policies CA Insurance Code §§10192.1 – 10192.24
• CA Health Care Advocates HI CAP Fact Sheet
  • If you have a Medigap policy and get care, Medicare will pay its share of the Medicare-approved amount for covered health care costs. In most Medigap policies, you agree to have the Medigap insurance company get your Part B claim information directly from Medicare. Then, your Medigap policy will pay your doctor whatever amount you owe under your policy and you’re responsible for any costs that are left.  Learn More >>> Medicare.Gov
  • Prior Authorization NOT Required!  ^{Askchapter.org} *
• Supplementing Medicare: An Overview 10-30-20  Hi Cap
• Supplementing Medicare: Medigap Plans 12-14-23 Hi Cap
  • Your Rights to Purchase a Medigap 12-14-23 HI Cap
• Search for Participating Doctors & Hospitals – Just about ALL of them!
•  

• medicare.gov/coverage
  • What’s Covered App for Smartphones
  • Medicare Coverage Database Search
  • medicare.gov/procedure-price-lookup
  • MLN Items & Services Not Covered Under Medicare
  • An Overview-05-19-23 CA Health Care Advocates Hi Cap
  • Original Medicare: An Overview  CA Health Care Advocates Hi Cap
  • 2024 Premiums, Coinsurance & Deductibles – 10-19-23  CA Health Care Advocates Hi Cap
  • Supplementing Medicare: An Overview 10-30-20  CA Health Care Advocates Hi Cap
• Enroll in Blue Cross
• Learn about UHC United Health Care
• Enroll in Blue Shield 
• SCAN
• Use our scheduler to Set a phone, Skype or Face to Face meeting
  • #Intake Form – We can better prepare for the meeting  (National  Contracting  Center)
    • Intake Needs Assessment (Berwick)
      • Steve’s Biography and Educational Background
      • 17 Reasons why we are your preferred choice of where to come for answers, education and how to get the most out of Medicare
      • Our Contact Page
• TITLE XVIII—HEALTH INSURANCE FOR THE AGED – Medicare AND DISABLE
• • Welcome to Medicare 2022 Publication # 11095
    • medicare.gov/medicare-costs
  • Our webpage on Enrolling ONLINE for Medicare Part A Hospital & B Doctor Visits
  • Part A Hospital rules for zero premium
  • Part B – Doctors – How to sign up – Benefits
    • Part B Late Enrollment Penalty
  • How to apply for Part B when you lose employer coverage – during your special enrollment period # 10012
  • Fact Sheet  Deciding Whether to Enroll in Medicare Part A and Part B  When You Turn 65  CMS.gov 15 pages
    • Medicare & You: Deciding to Sign Up for Medicare Part B VIDEO
    • CMS form to fill out L 564 E to prove you had Employer Coverage and get a special enrollment period, when you retire.  VIDEO 
    • HI CAP CA Health Care Advocates Medicare Enrollment Periods

  FAQ’s from Medicare.Gov 

  #Should I get Parts A & B?

  Most people should enroll in Medicare Part A (Hospital Insurance) when they’re first eligible, but certain people may choose to delay Medicare Part B (Medical Insurance). In most cases,    #How

  It depends on the type of health coverage you may have.

  • Deciding to Sign Up for Medicare Part B VIDEO
  • You must pay your Part B premium every month for as long as you have Part B (even if you don’t use it).
  • If I’m low income – are there any breaks?
  • Interactive Q & A from IRS on when to sign up for Medicare 
  • I have coverage through my spouse who is currently working.
  • I have retiree coverage (from my former employer or my spouse’s former employer) or COBRA coverage.
  • I have TRICARE, and I’m a retired service member.
  • I have TRICARE, and I’m an active-duty service member.
  • I have CHAMPVA.
  • I have End-Stage Renal Disease (ESRD).
  • I have Marketplace Covered CA  or other private insurance.
  • I don’t have any of these.
  • medicare.gov/should-i-get-parts-a-b
  • How to apply for Part B during your special enrollment period # 10012
  • Fact Sheet  Deciding Whether to Enroll in Medicare Part A and Part B  When You Turn 65  15 pages
  • FAQ’s that we did

• • • HI Cap California Health Advocates

• Medi Gap pays the medical expenses that Original Medicare Part A (Hospital) and Part B (Doctor) doesn’t.  Check out the chart on this page to see what Medicare Pays, what you pay and what a Medi Gap plan pays. 

  • If you have a Medigap policy and get care, Medicare will pay its share of the Medicare-approved amount for covered health care costs.  Then, your Medi-gap policy will pay its share. You’re responsible for any costs that are left. ^Medicare.Gov *
  • More than half of all fee-for-service Medicare enrollees without any additional coverage chose a Medicare Supplement plan in 2021 ^{Health Care Finance} *

• Original Medicare, Medicare Advantage nor Medi Gap pay for long term care either in a nursing home or at home care.    Get more information on Long Term Care here. 

  • Even if you think you can’t afford any extra premiums, there’s a lot of valuable information to help with planning.